Who needs cloud when accounts are easily broken into considering that even an 80 year old could more than likely outsmart customer support these days. I don't like cloud for many reasons, not everyone has a decent or better connection that allows for online storage to perform well, internet service in some areas is limited or not available at all while satellite is very expensive, and the entire concept goes against what many have been raised up with. Moving beyond data I wouldn't want all or most of my apps stored on cloud but they are pushing for it even though they are being the owners of cloud services and providers are not the best examples of humanity there is in the world.
Sadly in this world money speaks louder than everything else combined short of war and the money is being put into cloud so it is only a matter of time before people get to where they won't have much of a choice.